Saturday, June 19, 2010

ആരോഗ്യ ഇന്‍ഷുറന്‍സ്

അപ്രതീഷിതമായ ആശുപത്രി ചിലവുകള്‍ക്ക് നമ്മെ ബുദ്ധിമുട്ടിക്കുമ്പോള്‍ വളരേറെ പ്രയോജന മായ പദ്ധതിയാണ്ആരോഗ്യ ഇന്‍ഷുറന്‍സ് .


അത്യാവശ്യം സൗകര്യങ്ങള്‍ [ ഇരുപതു ബെഡ് എങ്കിലും ] ഉള്ള ആശുപത്രിയില്‍ സൗകര്യ പ്രയോജനപ്പെടുത്താവുന്നതാണ്




ഒരു ദിവസത്തില്‍ കൂടുതല്‍ ചികിത്സ വേണ്ടിവരുമ്പോള്‍ [ ഇരുപത്തിനാല് മണിക്കൂര്‍ ] പദ്ധതി ഉപയോഗപ്പെടു0

Tuesday, June 8, 2010

Insurance Plans -Child Future Plan


Insurance Plans -Child Future Plan




Introduction:
This plan is specially designed to meet the increasing educational, marriage and other needs of growing children. It provides the risk cover on the life of child not only during the policy term but also during the extended term (i.e. 7 years after the expiry of policy term). A number of Survival benefits are payable on surviving by the life assured to the end of the specified durations.

Options:
You may choose Sum Assured (S.A.), Maturity Age, Policy Term, Mode of Premium payment and Premium Waiver Benefit.

Payment of Premiums:
You may pay the premiums regularly at yearly, half-yearly, quarterly or through Salary deductions over the term of policy. Premiums may be paid either for 6 years or upto 5 years before the policy term.

Sample Premium Rates:
Following are some of the sample premium rates per Rs. 1000/- S.A.:

For 6 years’ Premium paying term

Age

Maturity Age


23

24

25

26

27

0

112.55

108.00

103.65

99.45

95.45

4

132.35

127.00

121.85

116.90

112.15

8

156.20

149.90

143.85

138.05

132.45

12

184.20

176.85

169.75

162.95

156.40

For Premium paying term = Policy Term less 5 years

Age

Maturity Age


23

24

25

26

27

0

53.10

49.45

46.20

43.25

40.60

4

71.80

66.90

61.65

57.00

52.95

8

107.80

96.30

86.75

78.75

71.90

12

184.20

155.40

133.90

117.25

108.05



Mode and High S.A. Rebates:

Mode Rebate:

Yearly mode

-

2% of Tabular Premium

Half-yearly mode

-

1% of the tabular premium

Quarterly & Salary deduction

-

NIL

Sum Assured Rebate:

Sum Assured

-

Rebate (Rs.)

1,00,000 to 2,99,999

-

Nil

3,00,000 to 4,99,999


1.5 %o S.A.

5,00,000 and above

-

2 %o S.A.